关于规范商业银行创新型非标债权业务发展的思考

摘要

For the past few years, commercial banks strived to develop innovative non-standard creditor’s rights business. The specific pattern has characteristics of from simple to complex,from on-balance sheet to off-balance sheet and from account to out account. The business risk has characteristics of participants multiplicity,business mode com-plicated,risk concealment and similar to shadow banking system. Based on analyze the motivation and stakes of com-mercial bank’s innovative non-standard creditor’s rights business, this paper puts forward some relative suggestions according to the aim of avoiding disadvantages,de-shadow and making the business healthier.%近年来，商业银行大力发展创新型非标准化债权业务，其具体模式呈现从简单到复杂、从表内到表外、从账内到账外的发展特征，业务风险呈现参与机构多元化、业务模式复杂化、业务风险隐蔽化的趋势。本文在分析商业银行创新型非标债权业务发展的内在动因和利害关系的基础上，按照趋利避害、疏堵结合的原则，针对如何开展非标债权业务去影子化监管和如何规范业务健康发展，提出相关政策建议。